i-law

Compliance Monitor

FCA finds "many" advice failures and misleading promotions among equity release firms

Firms advising on equity release are being told to review anFCA reportand act immediately where needed.
Online Published Date:  15 September 2023

Directors appeal FCA fines for "flawed" pension transfer business model

The FCA has decided to penalise two advisers from a firm based in Crowborough, East Sussex, for their design and operation of a "flawed business model" that created "significant risk" to many clients.
Online Published Date:  15 September 2023

Regulators drop £10k compo limit on claims over poor exercise of regulatory powers

Compensation claims against the financial regulators could exceed £10,000 after changes are introduced to the current scheme on 1 November.
Online Published Date:  15 September 2023

FCA wins collective investment Ponzi scheme case where investors were promised 8%pa

The High Court has found in favour of the Financial Conduct Authority in a case involving a £57 million Ponzi-like care home investment scheme relating to 13 residential homes in the northeast.
Online Published Date:  15 September 2023

Initial data from debanking review shows no political discrimination

No UK banks or building societies have closed bank accounts between July 2022 and June 2023 primarily because of a customer's political views, according to the regulator's preliminary findings in a review of account access and closures. [1]
Online Published Date:  20 September 2023

FCA clarifies 'non-financial misconduct' and proposes D&I targets from 2025

Large firms are to be required to set targets on diversity and inclusion from 2025, as part of a package of proposals on non-financial matters.
Online Published Date:  25 September 2023

Living with the Consumer Duty

Financial services firms are now working with strengthened requirements that they deliver good outcomes for their customers - what some might call 'TCF on steroids' (Treating Customers Fairly). Emma Radmore and Lucy Hadrill revisit what firms should have done in the run-up to implementation and forecast the FCA's expectations moving forwards.
Online Published Date:  09 October 2023

Fund manager value assessments improve - from a low bar

Scrutiny by the regulator of just 14 fund managers has found some progress since its last, dismal, review of value assessments. But, with firms still insisting on profit margins that cannot be justified rationally, Adam Samuel says there is very little evidence that reforms have brought down charges and made the market more competitive.
Online Published Date:  09 October 2023

Is SEC action against crypto exchanges a "power grab"?

Lawsuits from US regulators against Binance and Coinbase demonstrate a clampdown on noncompliance in the sector but heighten a wider picture of global uncertainty in the regulation of cryptoassets, report Kate Gee and Joshua Ryan.
Online Published Date:  09 October 2023

Delineating the advice/guidance boundary

The Financial Conduct Authority and HM Treasury are reviewing the boundary between regulated financial advice and financial guidance. Charlotte HillandDaniel Hirschfieldreport on how this is progressing and the FCA's decision to fold its work on a Core Investment Advice regime into the wider advice/guidance boundary review.
Online Published Date:  09 October 2023

DysPEPsia - discomfort around banking Politically Exposed Persons

Complaints by politicians about being expelled by banks, or even unable to open an account in the first place, have set a review by the Financial Conduct Authority in motion. Denis O'Connor examines the regulator's 2017 Guidance on the issue.
Online Published Date:  09 October 2023

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